# Hang Seng Personal Banking — Simple & Secure Mobile Banking

> Comprehensive mobile banking for personal accounts, payments, and investments. (iPhone/iPad app by Hang Seng Bank Limited.)

- Source: https://appshunter.io/ios/app/hang-seng-personal-banking/id1039256353 (this page in markdown: same URL + `.md`)
- Developer: [Hang Seng Bank Limited](https://appshunter.io/developer/363702207)
- Category: Finance, Business
- Price: Free
- Rating: 1.80/5 from 89 App Store ratings · 155 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 830 MB
- Languages: American English, Chinese (Simplified, China), Chinese (Traditional, Hong Kong SAR China)
- Released: 2015-10-12
- Data updated: 2026-08-18
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/hang-seng-personal-banking/id1039256353/reviews.md

## What is Hang Seng Personal Banking?

Bringing you comprehensive mobile banking features and services to meet your personal banking needs, such as account opening, payment, personal finance and investment in an easy and safe way. Download it now!

Everyday banking made simple
• Open a bank account at ease with your mobile
• Check all your account balances in one go
• Make real-time transfer and pay bills easily via FPS
• Log on securely and verify transactions using Mobile Security Key and Biometric Authentication
• Deposit Hong Kong Dollar cheques without going to the branch or cheque deposit machines
• Save time and get cash securely with our App instead of physical ATM card at Hang Seng or HSBC ATMs

Enhanced banking experience personalised to you
• Personalise your own user interface to access frequently-used functions faster
• Receive personalised push notification updates for your account activities such as FPS inward payment and credit card payment due reminder
• Get a ticket before arriving at our branch for counter services to save waiting time
• Get support 24/7 for all your banking queries with our Live Chat and Virtual Assistant HARO

Access to banking products with ease
• View the latest market information on securities, FX / precious metal and funds to help you make informed financial decisions
• Invest at ease in securities, funds, bonds and more with our user-friendly interface
• Manage your credit cards in one place, where you can repay credit card, check rewards, view e-Statements and apply for instalment loan
• Place time deposits, buy / sell foreign currencies quickly and conveniently

FPS (Faster Payment System) is a real-time payment platform provided by Hong Kong interbank Clearing Limited.

This App is provided by Hang Seng Bank Limited (“Bank” or “we”). The Bank is regulated and authorised to carry out banking activities in Hong Kong SAR. The products and services represented within this App are intended for Hong Kong customers.

This App is not intended for distribution, download or use by any person in any jurisdiction, country or region where the distribution, download or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available through this App in the country or region you are located or resident in.

Hang Seng of 83 Des Voeux Road, Central, Hong Kong is incorporated in Hong Kong with limited liability and is a licensed bank regulated by the Hong Kong Monetary Authority. 

Please be aware that Hang Seng isn’t authorised or licensed in any other jurisdiction for the provision of the services and/or products available through this App.

This App shouldn’t be considered as communicating any invitation or inducement to engage in banking, lending, investment or insurance activity or any offer, solicitation or recommendation to buy and sell securities or other instruments or to buy insurance outside Hong Kong. The information provided through this App is not intended for use by persons located in or resident in jurisdictions where the distribution of such material may be considered marketing or promotional and where that activity is restricted.

## Key features

- Mobile account opening
- Real-time transfers and bill payments
- Secure login with biometrics
- Mobile cheque deposit
- Cash withdrawal without ATM card
- Personalized user interface
- 24/7 Live Chat and Virtual Assistant

## What do users think of Hang Seng Personal Banking?

Overall sentiment: negative

**Pros**

- ✨ Nice and appealing design

**Cons**

- 🐌 Extremely slow updates
- 🐌 Painfully slow performance
- 🐛 Frequent app crashes
- 🐛 Login issues
- ❓ Unclear instructions
- ❌ Not user-friendly
- ❌ Difficult to use overseas
- ❌ Limited functionality
- ❌ Large app size
- ❌ Security concerns with password changes
- ❌ Inconvenient verification process

**Commonly reported bugs**

- App crashes on opening
- Login errors blaming user's network
- Verification emails delayed or expired
- Cannot find PIN and username within the app
- App requires update almost every time it's opened
- Update process is slow and cannot be done in background
- App freezes on loading screen
- App crashes after updates
- Authenticator is useless and logs out users
- Security device is a nightmare
- Lost digital secure key after deleting app
- App not working outside HK
- Cannot make payments to American Express cards
- Easypay not under transfer
- No return buttons on subpages
- Cannot find search button
- App requires phone OS update to update itself
- System unavailable errors

**Most requested features**

- Allow local USD transfers
- Improve overseas accessibility
- Provide better online assistance
- Allow using old complex passwords
- Add Touch ID support
- Add exchange rates without login

## Recent user reviews (10 of 155)

All indexed reviews: https://appshunter.io/ios/app/hang-seng-personal-banking/id1039256353/reviews.md

### 1/5 — Most user-unfriendly banking app

*2026-07-22*

As another user noted, the design is counter-intuitive and cumbersome. A lot of the security measures  makes it extremely difficult for users to get through. Skip the updates and just scrap this and start with a better design.

### 1/5 — Notification as spam

*2026-07-14, version 26.14*

Notification option only has on and off, so you either have to risk not knowing any important info about your account. Or you have to ensure the almost daily marketing SPAM, on every device, can you stop making it your mission to annoy people?

### 1/5 — Daren

*2026-07-05, version 26.14*

Horrible app. Get your IT dept  fired please.

### 1/5 — Worst banking app ever

*2026-06-23*

Such of big company with garage IT app

### 4/5 — Suggestions regarding the online account opening feature

*2026-04-23, version 26.8*

Please test the online account opening functionality before the May Day holiday in 2026, as there will be a large number of mainland tourists during the holiday, who will conveniently open accounts while traveling.

### 1/5 — 使えにくい

*2026-04-19, version 26.7*

使えにくい

### 2/5 — Report a bug in banking balance display

*2026-04-17, version 26.6*

How to reproduce the bug on the mobile app :
1. Have the mobile app logged in;
2. Received funds from other sources( a local transaction) , say Fund_A) 
3. Without refreshing the account page to reflect the updated balance ( with the new fund) , try to do another fund transfer ( Say Fund_B) from this bank account to 3rd payee 
4. [bug happens ]  the From account balance on display, is using an old balance , not taking into account the amount of Fund_A.  So the bug is the wrong balance display.

### 1/5 — 垃圾app

*2026-03-11, version 26.5*

點解冇零分比？ 身份認證跟哂規矩做一直失敗  失敗到銀行戶口直接凍結我帳戶 幾時執笠？

### 1/5 — 你系統個網絡係唔係食左屎啊？！

*2026-01-10, version 25.8*

完全login唔到！每次輸入完帳戶密碼就彈出error，顯示我的網絡問題！我連YouTube都睇到呀！有乜可能係我網絡問題啊？ ！出問題就賴用戶！就算kill左個app重新打開重新登錄，即使登陸成功，當我點查看所有戶口，或轉賬，都係顯示我的網絡問題！食屎啦！搞到我連自己帳戶都查唔到！又過唔到數！我點找卡數啊！呢個問題已經唔止出現一次啦！仲要投訴無門！咁大間銀行做啲嘢出嚟咁垃圾咁！

### 1/5 — Not user friendly at all

*2025-12-26, version 25.8*

Spent an hour just trying to replace my linked device (as I’ve replaced my phone) but to no avail.

I have been a customer for 10+ years but honestly this app made me decide to switch to other banks who offer better e-banking services (which is where one usually does banking nowadays). This app is completely unusable and instructions are often circular. I hope someone at the bank sees this and realise that this app is actively driving your customers to put their cash elsewhere….

## Frequently asked questions about Hang Seng Personal Banking

### What can I do with the Hang Seng Personal Banking app?

The app allows you to perform a wide range of personal banking tasks. This includes opening new accounts, checking balances, making real-time transfers and bill payments via FPS, depositing Hong Kong Dollar cheques, and even withdrawing cash at select ATMs without needing your physical card. You can also manage investments, credit cards, and place time deposits.

### How secure is the Hang Seng Personal Banking app?

Security is a top priority. The app offers secure login options including Mobile Security Key and Biometric Authentication (like fingerprint or facial recognition). All transactions are verified to ensure your financial information and activities are protected.

### Is this app free to use?

The app itself is free to download and use. While the app provides access to various banking services and features, some underlying banking transactions or investment products may have associated fees or charges as per the bank's standard terms and conditions.

### Who can use the Hang Seng Personal Banking app?

This app is designed for Hong Kong customers of Hang Seng Bank. The products and services offered are intended for individuals residing in Hong Kong SAR. The app is not intended for distribution or use in any jurisdiction where such activities are restricted by law or regulation.

### Can I get help if I have banking queries?

Yes, the app provides 24/7 support for your banking queries. You can utilize the Live Chat feature or interact with the Virtual Assistant, HARO, to get assistance with your banking needs at any time.

## Version history (last 5 releases)

### 26.20 — 2026-08-07

This latest version includes:

• The new Home Screen brings "My Portfolio" to the forefront and with personalised "Smart Tips" and "Reminders". 
• The "Wealth Overview" analyses your assets to help you explore suitable wealth products.
• You can now compare your fund's past performance against a market benchmark.
• We’ve clarified the labels and definitions for "Ledger Balance" and "Available Balance" for easier cash flow management.

Investment involves risk. Terms & Conditions apply.

### 26.19 — 2026-07-25

This latest version includes:

• The new Home Screen brings "My Portfolio" to the forefront and with personalised "Smart Tips" and "Reminders". 
• The "Wealth Overview" analyses your assets to help you explore suitable wealth products.
• You can now compare your fund's past performance against a market benchmark.
• We’ve clarified the labels and definitions for "Ledger Balance" and "Available Balance" for easier cash flow management.

Investment involves risk. Terms & Conditions apply.

### 26.14 — 2026-07-03

This latest version includes:

• You can soon enjoy free QR payments at Alipay+ merchants in mainland China and over 55 countries/regions with JustPay.
• Plan for your future with Goal Planner: Set up and edit goals, link accounts, and track your progress anytime.  
• Convert large spending into installments from your recent credit card transactions.
• Bind the Hang Seng Mobile App to a new device more conveniently by scanning the QR code from the old device.

To borrow or not to borrow? Borrow only if you can repay. T&Cs apply.

### 26.11 — 2026-06-07

This latest version includes:

• MMPOWER and Travel+ card customers can now view their spending progress for the +FUN Dollars Reward Programme in +FUN Centre.
• Customers can now easily enable time deposit renewal and maturity notifications after completing a time deposit transaction.
• Customers can now view their total portfolio at-a-glance across all accounts, distributed by product type and currency under “Investment” > “Wealth” > “View portfolio analysis”.

To borrow or not to borrow? Borrow only if you can repay. Investment involves risk. T&Cs apply.

### 26.10 — 2026-05-29

This latest version includes:

• MMPOWER and Travel+ card customers can now view their spending progress for the +FUN Dollars Reward Programme in +FUN Centre.
• Customers can now easily enable time deposit renewal and maturity notifications after completing a time deposit transaction.
• Customers can now view their total portfolio at-a-glance across all accounts, distributed by product type and currency under “Investment” > “Wealth” > “View portfolio analysis”.

To borrow or not to borrow? Borrow only if you can repay. Investment involves risk. T&Cs apply.

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## More apps by Hang Seng Bank Limited

- [Hang Seng Market Info](https://appshunter.io/ios/app/hang-seng-market-info/id372102736)
- [Hang Seng Business Mobile App](https://appshunter.io/ios/app/hang-seng-business-mobile-app/id1117207965)
- [Hang Seng Invest Express](https://appshunter.io/ios/app/hang-seng-invest-express/id1489143798)
- [HS3 by Hang Seng](https://appshunter.io/ios/app/hs3-by-hang-seng/id1658762293)

All apps by Hang Seng Bank Limited: https://appshunter.io/developer/363702207

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-18.*